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Investing for your retirement

With the TD SIPP, you can create your own personal retirement strategy by taking control of your investments. Choose from our full range of investment options: UK & international equities, bonds and gilts, and funds including investment trusts, unit trusts, OEICS, REITS and Exchange Traded Funds (ETFs). And there’s no initial set up fee.

TD SIPP Management

AJ Bell
  • TD Direct Investing provides investment dealing services, online account opening and payment facilities for the TD SIPP.
  • AJ Bell Management Limited carries out the administration of the SIPP and is the Scheme Administrator.
  • Sippdeal Trustees Limited, a subsidiary of AJ Bell Management Limited, is the trustee and the legal owner of the TD SIPP assets with you (the client) remaining the beneficial owner.

About AJ Bell

AJ Bell is one of the UK’s largest providers of online investment platforms and stockbroker services and has worked together with TD Direct Investing to bring you the TD SIPP since its launch in 2010.

Take control online

You use the same online trading platform as our other accounts to purchase investments and monitor your portfolio. And you also benefit from the award winning administration services from AJ Bell Management. Try our free and easy-to-use tablet and smartphone apps to help you trade and manage your investments when you’re on the move.

Our Pension Calculator

Have you put together a retirement plan to achieve the income you want in retirement? Access our quick and easy-to-use Pension Calculator to help you review your plans and how much you might want to save for retirement.

Launch Pension Calculator

Benefits of investing in a SIPP

All personal contributions generally qualify for tax relief at your highest marginal rate. Also you can normally withdraw up to a quarter of the pension fund as a tax-free lump sum when you reach retirement (not usually before age 55) and with the remainder draw an income.

For more information see Retirement Options

What you need to know before you open an account

Please make sure that you have read and understood all of the relevant documentation below.

Further details are also available in the Terms of Service which you should refer to before applying for an account


All investments carry a varying degree of risk. It's important that you understand the nature and risks of the different investments available through TD Direct Investing. You may not get back the money you invest and you should not view the past performance of investments as a guide to their future performance. Read more about the risks of investing.

Your money and investments

Before applying for an account it is important you understand how your money and investments will be held and the investor protection schemes that apply. We will hold your money in accordance with the FSA's client money rules and we may pool your investment with those of other customers. Read more about how we will hold your money and investments.

Conflicts of interest

We have a conflicts of interest policy that identifies circumstances that constitute, or may give rise to, conflicts of interest which pose material risk of damage to one or more of our customers. Read more about our conflicts of interest policy.

Summary of charges

Trading commissions start from £5.95 depending on how often you trade. Our standard online rate is £12.50 and it will cost more for trades on non-UK markets.

If you hold funds a platform fee will apply. If you move your stock transfer out charges will apply. See our rates and charges.

Key Features Illustration

When applying online you will be asked to produce a Key Features Illustration, which gives you important information to help you decide if the TD SIPP is right for you. You will be taken to AJ Bell's website to do this. Before applying online you can take a look at AJ Bell's Illustration website and read the Key Features Illustration fact sheet and Key Features Document.

Open a TD SIPP

Call 0800 138 1900


Go to SIPP forms

Lines are open Monday to Friday 7.30am to 9pm and Saturdays 9am to 3pm

Return the form to us at Customer Accounts Dept., TD Direct Investing, Exchange Court, Duncombe Street, Leeds LS1 4AX


  • If you have any doubts about the suitability of a SIPP or you need further advice, you should seek advice from a suitably qualified financial adviser.
  • The value of investments held in a SIPP can fall as well as rise and are not guaranteed. You may get less back than the amount invested which may affect the value of the income you receive in retirement.
  • Before opening a SIPP you will need to read the Key Features Document and the other important documents. You can download these from the links below.
  • Please note that tax benefits mentioned are subject to change in the future.
  • Foreign markets will involve different risks from the UK markets. In some cases the risks will be greater.
  • The potential for profit or loss from transactions on foreign markets or in foreign denominated contracts will be affected by fluctuations in foreign exchange rates.
  • If you are unsure about any aspects of the features or risks of these products, you should obtain advice from a qualified financial adviser.

Useful Downloads

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